The peak of activity occurred on March 1, when an average of 2,904 applications were received per minute. 91% of citizens chose a complete ban on loans. The most active people are 35-55 years old (46%), but a significant proportion of bans were imposed by citizens over 55 years old, probably with the help of relatives, according to the release of the Regional Committee.
The gender distribution is almost equal: 51% of men and 49% of women. The leaders in the number of bans are Moscow, the Moscow Region and St. Petersburg. About 2 thousand people lifted the ban after it was installed.
Photo: ru.freepik.com
Starting from March 1, citizens can set up a self-lock for issuing loans through Public Services using an enhanced electronic signature. The ban is effective from the day after the entry in the credit history. It takes several days to withdraw, which allows you to think about the decision.
The law allowing such a ban was adopted in the spring of 2024, it is mainly aimed at combating fraud and is designed to protect Russians from spontaneous actions under pressure, or from situations with obtaining a loan from third parties in case of theft of personal data.
According to the Central Bank, the self-ban applies to consumer loans, loans and the issuance of new credit cards, but does not apply to mortgages, car loans, educational loans and withdrawals from existing cards, as the risk of fraud in this case is minimal.
Banks are required to check for a ban. If the loan is issued in spite of it, the borrower is not obligated to repay it, and the bank cannot demand repayment.
